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When Money Get Personal: Tips On How To Manage Personal Finances Managing personal finances is not something that comes easily for most people To get the most out of your money, and improve the health of your financial situation, you must study up on the subject and educate yourself thoroughly Continue reading this article to learn some personal finance tips that can help to greatly improve your life iPhone 4 Insurance o2 Set goals to save money Whether it's a small purchase or a large purchase, start saving for it Figure out how much money you will need to save, and how long it will take you to save it Work to make it to your goal as quickly as possible Always push "�credit' when paying with your debit card Banks often charge processing fees that can really add up over the course of a year By using your debit card as if it were a credit card, you can save quite a bit of money without much extra effort at all Try to purchase generic items when they are available Many times the generic product is just as good as the name-brand item You will end up getting the same type of quality product for a lower price This will help you save a lot of money in the long run Ride your bike more often With the cost of gas continuing to rise, you can save money by taking your bicycle to the store, the barber's and the library If you are fortunate enough to live close to work, improve your health and finances by riding to and from the office Whenever possible, you should always make an effort to pay your credit card balance in full every month Aside from skipping a payment altogether, the worst thing you can do for your credit is to make only the minimum payment Over time, you will spend hundreds or even, thousands of dollars more in interest fees The best way to manage your finances each month is to set a budget Figure out how much you make each month Then, add up your rent, automobile expenses, and any other bills you have iPhone Insurance Comparison Determine how much these bills add up to and subtract that amount from your income The result is how much money you have leftover each month After you have saved up an emergency fund of one thousand dollars, it is important that you do not stop there Make sure you continue to save until you have at least three to six months worth of living saved up in your liquid savings account When something happens, you will be covered Save money on the little things When you go grocery shopping, look for the cheaper brands or buy certain items in bulk to save money Avoid eating out if you can and think twice before you buy an item you might not really need These small changes could save you a lot of money in the long term iPhone Insurance Bank Account As was stated earlier in this article, managing personal finances is not an easy thing to do To successfully manage your finances, and make your money work for you, takes a lot of education and hard work By carefully reading this article, and applying what you learn, you can take the first steps toward improving your personal financial situation